Understand My Workplace Benefits

Having a lot of benefit choices is great — but can be confusing! You may be wondering … which benefits are the best for me and my family? Making the most of what your employer offers starts with understanding the value of each benefit.

Building the Right Benefits Package for You

Your employer may offer some or all of the benefits described here. See how each plays a role in helping you achieve financial security.

Insurance Benefits

Employers can offer insurance benefits at group rates. That means you can obtain coverage at rates not available on your own. Learn more about the types of insurance available through The Standard. Then ask your employer for details about your coverage.

Disability Insurance

Protect Your Paycheck

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Protect Your Paycheck

Your health insurance helps pay medical bills. Disability insurance pays you. It can replace part of your paycheck if you can’t work because of an illness, injury or pregnancy.

Protect Your Loved Ones

Life insurance helps your loved ones get through a difficult time and pay for important things, like a home or college plans. AD&D insurance does, too, plus it can help if you survive a serious accident.

Protect Your Health

Dental and Vision insurance help protect your smile and your eyesight. Regular dental and vision exams can also have a positive impact on your overall health, especially for chronic medical conditions.*

Protection From the Unexpected

An accident, serious illness or hospital stay can leave you with unexpected expenses not covered by your health plan. Discover three benefits that pay you directly — instead of your doctors. So you can use the money for anything you choose — from co-pays and treatment costs to rent, gas and groceries.

Retirement Plans

Taking charge of your retirement savings can be easier than you expect. Especially if your employer offers a plan. Start by learning about the advantages your plan offers. Then use the helpful calculators to visualize how much you might need to save.

What Are the Advantages?

A retirement plan can make it much easier to save for the future. Learn about your plan's perks, like tax-deferred growth, payroll deductions and personalized planning tools.

Only 49% of employees are confident they'll be able to retire when they want.

Confidence and Compassion

A Note from Greg Ness, Chairman, President and CEO

At The Standard, we’ve been helping people achieve financial well-being and peace of mind since 1906. As the global health crisis continues to disrupt lives, communities and the economy, I am confident we’ll continue helping people when they need us the most. Our company has been through hard times and market volatility before and we will navigate through this challenge as well. As our customers face tremendous stress and uncertainty, we will continue providing support and stability to those who rely on our products and services.

This pandemic is tough on everyone. Our communities are hurting, our families and friends are distressed and some of our most vulnerable neighbors are at risk.

The crisis and the way we collectively respond to it will define a generation. We are rising to the challenge. I know every single employee at our company — along with staying focused on keeping our business running and serving our customers — is looking for ways to make a difference for those most affected by this pandemic. That’s proving true in businesses and homes across the community, the country and around the world.

Part of the tragedy of this disease is that even as we come together to help those most in need, the unique nature of COVID-19 is forcing us apart. We all understand the importance of —social distancing— to slow the spread, but we should remember that’s just physical distancing. I encourage you to find ways to safely connect with those in your neighborhood who may require extra help and with groups in your community that are making a difference and support them however you can. And now is the perfect time to reach out to friends and others and just check in.

To our health care providers, first responders and everyone selflessly setting aside their own fears and concerns to help others during this time — thank you hardly seems enough. These people are true heroes. This crisis reinforces how reliant we are on the many essential services we too often take for granted. We are grateful to so many for continuing to show up with focus and commitment.

We will get through this, especially if we are sustained by the examples of those who make us the proudest right now — family, friends, neighbors and colleagues working together — rather than allowing our fears to guide us. No matter how unsettled we may feel, remember we are not alone. There are so many people in this world trying their level best to help others. And I am certain we will get through this — together.

In times of crisis, we are defined by how we react. Let’s continue to be defined by compassion.

And to our customers, thank you for putting your trust in The Standard. What we sell is a promise to be there when you need us, and that promise is unwavering.

How the Family Care Benefit provided the ability to care for a loved one
Jared's daughter was born with a heart defect. They visited multiple specialists to diagnose the condition and determine the appropriate treatment. Then his daughter underwent surgeries, hospital stays and months of follow-up appointments. Benefits from Jared’s Platinum Advantage policy helped make up for the income lost when Jared spent time away from work to attend physician appointments and to be with his daughter in the hospital and throughout her extended recovery — providing peace of mind during a trying time.

Assistance on the road to recovery through a rehabilitation program
Jody's role as an accountant at a small firm requires a lot of computer work. After sustaining a serious back injury from a car accident, Jody was totally disabled under her Platinum Advantage policy. Jody’s doctor recommended she purchase assistive equipment to help her work comfortably at her desk without aggravating her condition. She was able to return to work full time after participating in a rehabilitation program in which expenses for a sitstand desk and other ergonomic accommodations were paid for under her Platinum Advantage policy. These modifications helped ensure she could return to work safely, without hindering her recovery.

Benefits that match career growth through the Benefit Increase Rider
David is completing his dermatology residency and just accepted an offer at a private practice. Before the end of his residency, he purchased a Platinum Advantage policy that included the Benefit Increase Rider, knowing his income will rise significantly after he starts his first post-residency job. The benefit also will allow his policy to grow with him as he progresses in his career and receives additional salary increases. David values the fact that his coverage going forward will match his developing career.

Finding work in a new occupation with the Own Occupation Rider
Jason injured his right hand in an accident and was unable to return to his job as an orthopedic surgeon because he couldn't perform surgery. Due to his medical training, he was able to return to work as a family medicine physician. Jason was considered totally disabled in his regular occupation as an orthopedic surgeon — even though he earns an income from another occupation as a family medicine physician — because of the own occupation definition of total disability included in his Platinum Advantage policy. Because of this, he receives the policy's full basic monthly benefit, in addition to the income he receives in his new position.

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